If an existing consumer real estate loan matures before the Bank has a chance to complete a change in terms agreement - would the loan that has matured become subject to the TRID Loan Estimate and Closing Disclosure? commentary in 1026.20(a)(i) would suggest the change in terms or loan modification would have to be completed before the loans maturity date or the Bank would then have to treat the loan as being refinanced and produce all the disclosures including the new TRID docs.

If the loan has matured (post 8/1/15) and it's consumer purpose, closed end and secure by dirt it's covered by TRID. Lot's of if's and's and but's in .20 but in general, the scenario you present would then be a refinance and require new disclosures.